Application Process
To avoid experiencing a gap in financial support during a medical leave, it’s important to apply for disability benefits as soon as you know you may not be able to return to work when your sick leave runs out. If your application package is completed in a timely manner and your disability claim is approved, disability payments will begin when your accumulated sick leave payments end.
To apply for disability benefits, follow these four steps:
Step 1: Call one of our Disability Intake Coordinators at 306-373-1660 or 1-800-667-7762 and ask for an application package. The Disability Intake Coordinator will explain the application process and send you an application package, which includes the following forms:
- Statement of Claimant
- Direct Deposit form
- Physician’s Report
- Statement of Employer
The support provided by our Disability Intake Coordinators helps to ensure all forms are completed correctly and in a timely manner. These forms are not available online.
Step 2: Fill in the Statement of Claimant and Direct Deposit forms.
Step 3: Take the Physician’s Report to your doctor for completion and have your school board complete the Statement of Employer. Many school boards have an electronic copy of this form.
Step 4: Submit all four completed forms to the Teachers’ Long-Term Disability Plan so that your application for benefits can be adjudicated. Feel free to submit them as they are ready. There is no need to submit them all at once.
Adjudication of Claims
Your disability application will be reviewed and adjudicated by Plan staff within approximately 2 weeks of the time the completed application package is received at the LTD office. Next, if your claim is approved, a letter outlining the terms of your disability benefits will be sent to you within the subsequent 2 weeks. Benefit payments will start after your accumulated sick leave ends. Your claim will be reviewed on a regular basis to assess your ongoing entitlement to benefits.
Eligibility for Benefits
Your claim will be assessed to determine if you’re partially or totally disabled as defined under the Plan.
You may be eligible to receive disability benefits for up to two years if you’re partially or totally incapable of performing essential duties of your own occupation (i.e., teaching) due to sickness or injury.
To be eligible for benefits after the initial two years, you must be incapable of performing the duties of any other occupation for which you’re qualified by education, training or experience, and for which teh current monthly compensation is 70 per cent or more of your insured earnings.
If you become disabled within the first 12 months after becoming eligible for coverage and you have a pre-existing condition, you may not qualify to receive disability benefits. For more information, visit Pre-Existing Condition Exclusion or contact our office.